{"id":3598,"date":"2020-03-06T10:18:32","date_gmt":"2020-03-06T15:18:32","guid":{"rendered":"https:\/\/staging-1.zealcu.org\/?page_id=3598"},"modified":"2025-01-02T13:08:46","modified_gmt":"2025-01-02T18:08:46","slug":"compare-checking","status":"publish","type":"page","link":"https:\/\/www.zealcu.org\/compare-checking\/","title":{"rendered":"Compare Checking Accounts"},"content":{"rendered":"\n<p class=\"has-text-align-left\"><span class=\"body\">Our accounts are tailored to you! With a Zeal checking account, you get more advantages and less cost. Life is busy, and we know flexibility is key &#8211; that&#8217;s why your personal accounts should work for you.<\/span><\/p>\n\n\n<div data-block-id=\"block_9a7b59f211645d5534ecdc5840b96c10\" class=\"block--info-box-grid info-box-grid block--grid row\">\n      <div class=\"block--grid__item col-12 col-md-6 col-xxl-4\">\n    <div class=\"block--grid__item-inner block--grid__item-inner--bg row\">\n      <div class=\"block--grid__image-wrapper\">\n        <img decoding=\"async\" data-src=\"https:\/\/www.zealcu.org\/wp-content\/uploads\/2020\/03\/easy_access_orange_outline_5.svg\" class=\"block--grid__image lazyload\" alt=\"zeal easy access icon\" title=\"easy_access_orange_outline_5\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\">\n      <\/div>\n      <div class=\"block--info-box-grid__content\">\n        <div class=\"block--info-box-grid__content-text\">\n          <h5 class=\"block--info-box-grid__header\">Easy Access<\/h5>\n          <div class=\"block--info-box-grid__body\">\n            <ul>\n<li>24\/7 Online Banking<\/li>\n<li>Online Bill Pay<\/li>\n<li>Nearly 30,000 Co-Op ATMs, surcharge free<\/li>\n<li>5,000+ shared branches<\/li>\n<\/ul>\n\n          <\/div>\n        <\/div>\n                <div class=\"block--info-box-grid__actions\">\n                              <div class=\"block--info-box-grid__action\">\n            <a  href=\"\/locations\/\" title=\"Locations\" class=\"block--info-box-grid__content--btn btn \">Locations<\/a>\n          <\/div>\n                  <\/div>\n              <\/div>\n    <\/div>\n  <\/div>\n      <div class=\"block--grid__item col-12 col-md-6 col-xxl-4\">\n    <div class=\"block--grid__item-inner block--grid__item-inner--bg row\">\n      <div class=\"block--grid__image-wrapper\">\n        <img decoding=\"async\" data-src=\"https:\/\/www.zealcu.org\/wp-content\/uploads\/2020\/03\/overdraft_orange_outline.svg\" class=\"block--grid__image lazyload\" alt=\"zeal overdraft icon\" title=\"overdraft_orange_outline\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\">\n      <\/div>\n      <div class=\"block--info-box-grid__content\">\n        <div class=\"block--info-box-grid__content-text\">\n          <h5 class=\"block--info-box-grid__header\">Overdraft? No Problem!<\/h5>\n          <div class=\"block--info-box-grid__body\">\n            <ul>\n<li>Ask us about our overdraft privilege and protection line-of-credit<\/li>\n<\/ul>\n\n          <\/div>\n        <\/div>\n                <div class=\"block--info-box-grid__actions\">\n                              <div class=\"block--info-box-grid__action\">\n            <a  href=\"\/overdraft\/\" title=\"Overdraft\" class=\"block--info-box-grid__content--btn btn \">Overdraft<\/a>\n          <\/div>\n                  <\/div>\n              <\/div>\n    <\/div>\n  <\/div>\n      <div class=\"block--grid__item col-12 col-md-6 col-xxl-4\">\n    <div class=\"block--grid__item-inner block--grid__item-inner--bg row\">\n      <div class=\"block--grid__image-wrapper\">\n        <img decoding=\"async\" data-src=\"https:\/\/www.zealcu.org\/wp-content\/uploads\/2020\/03\/fee_orange_outline.svg\" class=\"block--grid__image lazyload\" alt=\"zeal fees icon\" title=\"fee_orange_outline\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\">\n      <\/div>\n      <div class=\"block--info-box-grid__content\">\n        <div class=\"block--info-box-grid__content-text\">\n          <h5 class=\"block--info-box-grid__header\">Fees?<\/h5>\n          <div class=\"block--info-box-grid__body\">\n            <ul>\n<li>Free Visa\u00ae Debit\/ATM Card<\/li>\n<li>No per-check fees<\/li>\n<li>Unlimited check writing ability<\/li>\n<li>No point-of-sale transaction fees***<\/li>\n<\/ul>\n\n          <\/div>\n        <\/div>\n              <\/div>\n    <\/div>\n  <\/div>\n  <\/div>\n\n\n\n<h4 class=\"wp-block-heading has-red-color has-text-color\">Compare Checking Accounts<\/h4>\n\n\n<p><span class=\"body\">Which account works best for you? Review the chart below for a detailed comparison.<\/span><\/p>\n\n\n<table class=\"wp-block-advgb-table advgb-table-frontend is-style-stripes\" style=\"border-collapse:collapse;table-layout:fixed\"><thead><tr><th style=\"border-width:1px;border-bottom-color:#a7a9ac\" data-border-color=\"#a7a9ac\"><strong>Checking Accounts<\/strong><\/th><th style=\"border-width:1px;border-bottom-color:#a7a9ac\" data-border-color=\"#a7a9ac\"><strong>Free Checking<\/strong><\/th><th style=\"border-width:1px;border-bottom-color:#a7a9ac\" data-border-color=\"#a7a9ac\"><strong>Dividend Checking<\/strong><\/th><\/tr><\/thead><tbody><tr><td style=\"border-width:1px;border-bottom-color:#f3f3f3;padding-left:10px;padding-right:10px;padding-bottom:20px;padding-top:20px;background-color:#f3f3f3\" data-border-color=\"#f3f3f3\">Minimum Opening Balance<\/td><td style=\"border-width:1px;border-bottom-color:#f3f3f3;padding-left:10px;padding-right:10px;padding-bottom:20px;padding-top:20px;background-color:#f3f3f3\" data-border-color=\"#f3f3f3\">$1<\/td><td style=\"border-width:1px;border-bottom-color:#f3f3f3;padding-left:10px;padding-right:10px;padding-bottom:20px;padding-top:20px;background-color:#f3f3f3\" data-border-color=\"#f3f3f3\">$1,000<\/td><\/tr><tr><td style=\"border-width:1px;border-bottom-color:#f3f3f3;padding-left:10px;padding-right:10px;padding-bottom:20px;padding-top:20px\" data-border-color=\"#f3f3f3\">Combined Daily Balance Requirement<\/td><td style=\"border-width:1px;border-bottom-color:#f3f3f3;padding-left:10px;padding-right:10px;padding-bottom:20px;padding-top:20px\" data-border-color=\"#f3f3f3\">$0<\/td><td style=\"border-width:1px;border-bottom-color:#f3f3f3;padding-left:10px;padding-right:10px;padding-bottom:20px;padding-top:20px\" data-border-color=\"#f3f3f3\">$1,000<\/td><\/tr><tr><td style=\"border-width:1px;border-bottom-color:#f3f3f3;padding-left:10px;padding-right:10px;padding-bottom:20px;padding-top:20px;background-color:#f3f3f3\" data-border-color=\"#f3f3f3\">Monthly Service Fee<\/td><td style=\"border-width:1px;border-bottom-color:#f3f3f3;padding-left:10px;padding-right:10px;padding-bottom:20px;padding-top:20px;background-color:#f3f3f3\" data-border-color=\"#f3f3f3\">$0<\/td><td style=\"border-width:1px;border-bottom-color:#f3f3f3;padding-left:10px;padding-right:10px;padding-bottom:20px;padding-top:20px;background-color:#f3f3f3\" data-border-color=\"#f3f3f3\">$6*<\/td><\/tr><tr><td style=\"border-width:1px;border-bottom-color:#f3f3f3;padding-left:10px;padding-right:10px;padding-bottom:20px;padding-top:20px\" data-border-color=\"#f3f3f3\">Per-Check Fees<\/td><td style=\"border-width:1px;border-bottom-color:#f3f3f3;padding-left:10px;padding-right:10px;padding-bottom:20px;padding-top:20px\" data-border-color=\"#f3f3f3\">$0<\/td><td style=\"border-width:1px;border-bottom-color:#f3f3f3;padding-left:10px;padding-right:10px;padding-bottom:20px;padding-top:20px\" data-border-color=\"#f3f3f3\">$0<\/td><\/tr><tr><td style=\"border-width:1px;border-bottom-color:#f3f3f3;padding-left:10px;padding-right:10px;padding-bottom:20px;padding-top:20px;background-color:#f3f3f3\" data-border-color=\"#f3f3f3\">Visa\u00ae Debit Card \/ ATM Card<\/td><td style=\"border-width:1px;border-bottom-color:#f3f3f3;padding-left:10px;padding-right:10px;padding-bottom:20px;padding-top:20px;background-color:#f3f3f3\" data-border-color=\"#f3f3f3\">FREE<\/td><td style=\"border-width:1px;border-bottom-color:#f3f3f3;padding-left:10px;padding-right:10px;padding-bottom:20px;padding-top:20px;background-color:#f3f3f3\" data-border-color=\"#f3f3f3\">FREE<\/td><\/tr><tr><td style=\"border-width:1px;border-bottom-color:#f3f3f3;padding-left:10px;padding-right:10px;padding-bottom:20px;padding-top:20px\" data-border-color=\"#f3f3f3\">ATM Withdrawals<\/td><td style=\"border-width:1px;border-bottom-color:#f3f3f3;padding-left:10px;padding-right:10px;padding-bottom:20px;padding-top:20px\" data-border-color=\"#f3f3f3\">Unlimited withdrawals at CO-OP Network ATMs<\/td><td style=\"border-width:1px;border-bottom-color:#f3f3f3;padding-left:10px;padding-right:10px;padding-bottom:20px;padding-top:20px\" data-border-color=\"#f3f3f3\">5 FREE**<\/td><\/tr><tr><td style=\"border-width:1px;border-bottom-color:#f3f3f3;padding-left:10px;padding-right:10px;padding-bottom:20px;padding-top:20px;background-color:#f3f3f3\" data-border-color=\"#f3f3f3\">Point of Sale Transactions (POS)***<\/td><td style=\"border-width:1px;border-bottom-color:#f3f3f3;padding-left:10px;padding-right:10px;padding-bottom:20px;padding-top:20px;background-color:#f3f3f3\" data-border-color=\"#f3f3f3\">FREE***<\/td><td style=\"border-width:1px;border-bottom-color:#f3f3f3;padding-left:10px;padding-right:10px;padding-bottom:20px;padding-top:20px;background-color:#f3f3f3\" data-border-color=\"#f3f3f3\">FREE***<\/td><\/tr><tr><td style=\"border-width:1px;border-bottom-color:#f3f3f3;padding-left:10px;padding-right:10px;padding-bottom:20px;padding-top:20px\" data-border-color=\"#f3f3f3\">Online Banking<\/td><td style=\"border-width:1px;border-bottom-color:#f3f3f3;padding-left:10px;padding-right:10px;padding-bottom:20px;padding-top:20px\" data-border-color=\"#f3f3f3\">FREE<\/td><td style=\"border-width:1px;border-bottom-color:#f3f3f3;padding-left:10px;padding-right:10px;padding-bottom:20px;padding-top:20px\" data-border-color=\"#f3f3f3\">FREE<\/td><\/tr><tr><td style=\"border-width:1px;border-bottom-color:#f3f3f3;padding-left:10px;padding-right:10px;padding-bottom:20px;padding-top:20px;background-color:#f3f3f3\" data-border-color=\"#f3f3f3\">Online Bill Pay<\/td><td style=\"border-width:1px;border-bottom-color:#f3f3f3;padding-left:10px;padding-right:10px;padding-bottom:20px;padding-top:20px;background-color:#f3f3f3\" data-border-color=\"#f3f3f3\">FREE<\/td><td style=\"border-width:1px;border-bottom-color:#f3f3f3;padding-left:10px;padding-right:10px;padding-bottom:20px;padding-top:20px;background-color:#f3f3f3\" data-border-color=\"#f3f3f3\">FREE<\/td><\/tr><tr><td style=\"border-width:1px;border-bottom-color:#f3f3f3;padding-left:10px;padding-right:10px;padding-bottom:20px;padding-top:20px\" data-border-color=\"#f3f3f3\">e-Statements<\/td><td style=\"border-width:1px;border-bottom-color:#f3f3f3;padding-left:10px;padding-right:10px;padding-bottom:20px;padding-top:20px\" data-border-color=\"#f3f3f3\">FREE<\/td><td style=\"border-width:1px;border-bottom-color:#f3f3f3;padding-left:10px;padding-right:10px;padding-bottom:20px;padding-top:20px\" data-border-color=\"#f3f3f3\">FREE<\/td><\/tr><tr><td style=\"border-width:1px;border-bottom-color:#f3f3f3;padding-left:10px;padding-right:10px;padding-bottom:20px;padding-top:20px;background-color:#f3f3f3\" data-border-color=\"#f3f3f3\">Online Check Imaging<\/td><td style=\"border-width:1px;border-bottom-color:#f3f3f3;padding-left:10px;padding-right:10px;padding-bottom:20px;padding-top:20px;background-color:#f3f3f3\" data-border-color=\"#f3f3f3\">FREE<\/td><td style=\"border-width:1px;border-bottom-color:#f3f3f3;padding-left:10px;padding-right:10px;padding-bottom:20px;padding-top:20px;background-color:#f3f3f3\" data-border-color=\"#f3f3f3\">FREE<\/td><\/tr><tr><td style=\"border-width:1px;border-bottom-color:#f3f3f3;padding-left:10px;padding-right:10px;padding-bottom:20px;padding-top:20px\" data-border-color=\"#f3f3f3\"><\/td><td style=\"border-width:1px;border-bottom-color:#f3f3f3;padding-left:10px;padding-right:10px;padding-bottom:20px;padding-top:20px\" data-border-color=\"#f3f3f3\"><a href=\"https:\/\/forms.fivision.com\/zealcreditunion\/oa\/default.aspx\">Apply<\/a><\/td><td style=\"border-width:1px;border-bottom-color:#f3f3f3;padding-left:10px;padding-right:10px;padding-bottom:20px;padding-top:20px\" data-border-color=\"#f3f3f3\"><a href=\"https:\/\/forms.fivision.com\/zealcreditunion\/oa\/default.aspx\">Apply<\/a><\/td><\/tr><\/tbody><\/table>\n\n\n<div class=\"wp-bootstrap-blocks-row row\">\n\t\n\n<div class=\"col-12 col-lg-6 col-xl-8\">\n\t\t\t\n\n<p><span style=\"color: #272727;\">*Service fee waived if daily balance requirements are met in a single account or combination of accounts.<\/span><br><span style=\"color: #272727;\">**Five free ATM withdrawals per month when minimum balance requirements are met. You may be charged a fee by other financial institutions for use of their ATMs.<\/span><br><span style=\"color: #272727;\">***International currency conversion fee applies to transactions originated by an out of country merchant.<\/span><\/p>\n\n\n\n<p><\/p>\n\n\t<\/div>\n\n\n\n<div class=\"col-12 col-lg-6 col-xl-4\">\n\t\t\t\n\n<p class=\"has-text-align-center has-body-font-size\"><strong>Frequently Asked Questions<\/strong><\/p>\n\n\n<div data-block-id=\"block_1d17415186a16dcbaa7fd6d6ec0eb9b7\" class=\"block--silvercloud-faq silvercloud-faq\">\n      <div ng-jq class=\"silvercloud-top-content-wrapper\" widget=\"5e595d7d803e9213f4fe2609\" product=\"5d13795dc1959434add57f41\"><\/div>\n  <\/div>\n\n\t<\/div>\n\n<\/div>\n\n\n<div id=\"debit_cards_anchor\" data-block-id=\"block_717a4b99a57da1297e4f65c8dd851a43\" class=\"block--anchor anchor\"><\/div>\n\n\n<section data-block-id=\"block_50074c6ddee94a2be9488f08181c8279\" class=\"block--info-section info-section block--info-section--sm block--info-section--left block--info-section--color-orange \">\n        <div class=\"block--info-section__inner\">\n        <div class=\"block--info-section__row\">\n            <div class=\"block--info-section__image-col\">\n                <div class=\"block--info-section__inner__image-wrapper\">\n                                        <img decoding=\"async\" data-src=\"https:\/\/www.zealcu.org\/wp-content\/uploads\/2020\/03\/debitcardsquare.jpg\" class=\"img-round--bordered img-round--bordered--color-orange lazyload\" alt=\"happy guy looking at phone and holding debit card in other hand\" title=\"Cheerful black man using credit card and smartphone for purchasing online\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 895px; --smush-placeholder-aspect-ratio: 895\/895;\">\n                <\/div>\n            <\/div>\n            <div class=\"block--info-section__content-col\">\n                <h3 class=\"block--info-section__title\">Debit Cards<\/h3>\n                <div class=\"block--info-section__inner__content\">\n                    <p><span class=\"body\">When it comes to making purchases, you deserve simplicity. When you shop with your Zeal Credit Union VISA \u00ae Debit Card, the amount is deducted directly from your checking account. <\/span><span class=\"body\">What&#8217;s even more convenient is your VISA Debit Card also works as an ATM card. <\/span><\/p>\n<p><span class=\"body\">With our CO-OP Network of ATMs, you\u2019ll have access to over 30,000 surcharge-free ATMs in the U.S. and Canada (Canadian ATM withdrawals are not surcharge free). Put simply, it\u2019s easy to transfer money between your accounts, make deposits and withdraw cash at any time, day or night. <\/span><span class=\"body\">With a Zeal Credit Union VISA Debit Card, you&#8217;re also eligible for Overdraft Privilege. Overdraft Privilege pays for items that would not normally clear your checking account because of insufficient funds.<\/span><\/p>\n<p><span class=\"body\">Plus, we offer tools to protect your account. You can set up <a href=\"https:\/\/www.zealcu.org\/security-purchase-alerts-and-card-settings\/\" target=\"_blank\" rel=\"noopener\">purchase alerts<\/a> and <a href=\"https:\/\/www.zealcu.org\/security-purchase-alerts-and-card-settings\/\" target=\"_blank\" rel=\"noopener\">card controls<\/a> to lock a lost or missing card or decline online\/international transactions. <\/span><\/p>\n<p><a href=\"http:\/\/co-opcreditunions.org\/locator\/?ref=co-opatm.org&amp;sc=1\" target=\"_blank\" rel=\"noopener nofollow\" data-external=\"true\" data-toggle=\"modal\" data-target=\"#external-link-modal\"><span class=\"body\">Click here to locate a CO-OP Network ATMs location near you.<\/span><\/a><\/p>\n<p><span class=\"body\"><a href=\"https:\/\/www.zealcu.org\/preventing-fraud\/\" rel=\"noopener\">FRAUD ALERT? Click here for next steps.<\/a><\/span><\/p>\n<p>&nbsp;<\/p>\n\n                <\/div>\n                            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n<div id=\"direct_deposit_anchor\" data-block-id=\"block_d009c8e81f6a8717d47fc9a017409c1d\" class=\"block--anchor anchor\"><\/div>\n\n\n<section data-block-id=\"block_8da40eb821e689ebb427533cecc5b23f\" class=\"block--info-section info-section block--info-section--sm block--info-section--right block--info-section--color-purple \">\n        <div class=\"block--info-section__inner\">\n        <div class=\"block--info-section__row\">\n            <div class=\"block--info-section__image-col\">\n                <div class=\"block--info-section__inner__image-wrapper\">\n                                        <img decoding=\"async\" data-src=\"https:\/\/www.zealcu.org\/wp-content\/uploads\/2020\/03\/directdepositsquare.jpg\" class=\"img-round--bordered img-round--bordered--color-purple lazyload\" alt=\"payday concept calendar with marker and circled day of salary\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1075px; --smush-placeholder-aspect-ratio: 1075\/1075;\">\n                <\/div>\n            <\/div>\n            <div class=\"block--info-section__content-col\">\n                <h3 class=\"block--info-section__title\">Direct Deposit<\/h3>\n                <div class=\"block--info-section__inner__content\">\n                    <p><span class=\"body\">Why wait in a line to cash your paycheck? Save time and money when you sign up for Direct Deposit. Have your check deposited directly into your account with Direct Deposit. Direct Deposit can be set up for your payroll, social security, pension, or retirement check. You\u2019ll also earn dividends sooner.<\/span><\/p>\n<p><span class=\"body\">Getting started is easy. Your payroll department can provide you with your company&#8217;s direct deposit form. Our Zeal team can also provide you with a Direct Deposit letter to give your employer. To complete the form, you\u2019ll need our routing and transit number (which is 272477694) as well as your credit union account number.<\/span><\/p>\n<p><span class=\"body\">Please use your account number, not member number, when signing up for Direct Deposit and\/or automated Payments<\/span><\/p>\n<p><img decoding=\"async\" class=\"alignnone wp-image-6639 lazyload\" data-src=\"https:\/\/www.zealcu.org\/wp-content\/uploads\/2020\/03\/routingnumber-300x137.png\" alt=\"\" width=\"259\" height=\"108\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 259px; --smush-placeholder-aspect-ratio: 259\/108;\" \/><\/p>\n<p>&nbsp;<\/p>\n\n                <\/div>\n                                <div class=\"block--info-section__inner__actions\">\n                                                                    <a class=\"btn btn--color-purple \"\n                             target=\"_blank\" rel=\"noopener nofollow\"                             href=\"https:\/\/forms.fivision.com\/zealcreditunion\/oa\/default.aspx\"\n                                                    >Apply<\/a>\n                                                            <\/div>\n                            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n<section data-block-id=\"block_cf5a0fdb5795876ebe4f98c8754e4e58\" class=\"block--info-section info-section block--info-section--sm block--info-section--left block--info-section--color-blue \">\n        <div class=\"block--info-section__inner\">\n        <div class=\"block--info-section__row\">\n            <div class=\"block--info-section__image-col\">\n                <div class=\"block--info-section__inner__image-wrapper\">\n                                        <img decoding=\"async\" data-src=\"https:\/\/www.zealcu.org\/wp-content\/uploads\/2020\/03\/overdraftsquare.jpg\" class=\"img-round--bordered img-round--bordered--color-blue lazyload\" alt=\"Fahter is showing his daughter things on a laptop\" title=\"Fahter is showing his daughter things on a laptop\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 899px; --smush-placeholder-aspect-ratio: 899\/899;\">\n                <\/div>\n            <\/div>\n            <div class=\"block--info-section__content-col\">\n                <h3 class=\"block--info-section__title\">Overdraft<\/h3>\n                <div class=\"block--info-section__inner__content\">\n                    <p><span class=\"body\">Have you ever lost track of your account balance? It happens to the best of us for a variety of reasons. That\u2019s why we offer you different options to cover overdraft transactions. Overdraft coverage allows for payments to be made from your checking account, even if funds aren&#8217;t available. You get to choose from a variety of overdraft services that best suit your needs. Fees may apply to these services.<\/span><\/p>\n<p><a href=\"https:\/\/www.zealcu.org\/wp-content\/uploads\/2020\/06\/zeal_schedule_of_fees.pdf\"><span class=\"body\">Click here to view our schedule of Fees<\/span><\/a><\/p>\n\n                <\/div>\n                                <div class=\"block--info-section__inner__actions\">\n                                                                    <a class=\"btn btn--color-blue  btn--priority \"\n                             target=\"_blank\" rel=\"noopener nofollow\"                             href=\"https:\/\/forms.fivision.com\/zealcreditunion\/oa\/default.aspx\"\n                                                    >Apply<\/a>\n                                                                                            <a class=\"btn btn--color-blue \"\n                             target=\"\" rel=\"noopener nofollow\"                             href=\"\/overdraft\/\"\n                                                    >Learn More<\/a>\n                                                            <\/div>\n                            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><span class=\"body\"><strong>OVERDRAFT PRIVILEGE RULES &amp; REGULATIONS<\/strong><\/span> <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span class=\"body\">You must deposit an amount equal to or more than the amount of discretionary Overdraft Privilege extended to you.<\/span><\/li>\n\n\n\n<li><span class=\"body\">You must bring your account to a positive End of Day balance within every 54-day period. A zero balance is not considered to be a positive balance.<\/span><\/li>\n\n\n\n<li><span class=\"body\">You must not be in default on any loan or other obligation to Zeal Credit Union.<\/span><\/li>\n\n\n\n<li><span class=\"body\">You must not be subject to any legal or administrative order or levy.<\/span><\/li>\n\n\n\n<li><span class=\"body\">Overdraft Privilege is not a line of credit, but a courtesy to protect you if you inadvertently overdraw your account. We have the discretion to pay the overdraft, subject to the limit of your Overdraft Privilege and the amount of the overdraft fee. Zeal Credit Union is not obligated to pay any item presented for payment if your account does not contain sufficient available funds. Any discretionary payment (or other negotiation or processing) by Zeal Credit Union of any non-sufficient item does not obligate Zeal Credit Union to pay any additional non-sufficient fund items, or to provide prior notice of its decision to refuse to pay such items.<\/span><\/li>\n\n\n\n<li><span class=\"body\">Zeal Credit Union will consider, as a discretionary courtesy and not a right or obligation, approving your reasonable overdrafts. This privilege will generally be limited to a maximum of $500 in negative balances for member checking accounts. Any and all fees and charges, including without limitation the non-sufficient funds fees (as set forth in our <span style=\"color: #f26822;\"><a href=\"https:\/\/www.zealcu.org\/wp-content\/uploads\/2020\/06\/zeal_schedule_of_fees.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">fee schedules<\/a><\/span>), will be included. Overdrafts written above and beyond Zeal Credit Union\u2019s established limit may result in a check or checks being returned to the Payee.<\/span><\/li>\n<\/ul>\n\n\n\n<p>***International currency conversion fee applies to transactions originated by an out of country merchant.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Our accounts are tailored to you! With a Zeal checking account, you get more advantages and less cost. Life is busy, and we know flexibility is key &#8211; that&#8217;s why your personal accounts should work for you. Compare Checking Accounts Which account works best for you? Review the chart below for a detailed comparison. OVERDRAFT &hellip; <a href=\"https:\/\/www.zealcu.org\/compare-checking\/\">Continued<\/a><\/p>\n","protected":false},"author":29,"featured_media":5745,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"views\/template-standard-page.blade.php","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"folder":[],"class_list":["post-3598","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Compare Checking Accounts - Zeal Credit Union<\/title>\n<meta name=\"description\" content=\"Life\u2019s moments deserve a checking account tailored to you. With Zeal Credit Union checking accounts, you get more advantages and less cost.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.zealcu.org\/compare-checking\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Compare Checking Accounts - Zeal Credit Union\" \/>\n<meta property=\"og:description\" content=\"Life\u2019s moments deserve a checking account tailored to you. 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